I've got a goal

It’s easier than you might think to work out how to manage your everyday money while working towards your long-term goals. Small steps really add up. We’ve got the information and inspiration you need to help you take control of your finances and get on track for your future. After all, sorting your money doesn’t just take care of your goals – it supports the future of your whānau. Let’s dream up some goals.

Get your budget sorted

Budgets are simply plans to track your spending and saving. Our budgeting tool lets you map your money to get you to your goals quicker.

Start now

Top money hacks

Set up a separate account for each goal, so you make sure you’re making progress.
Visualise your goal with this statement: ‘I will have $x for x in x months.’
Get to your goal with this formula: ‘Each time [this] happens, I will do [that] in [location]’. For example, ‘Each time I’m paid, I will set aside $50 in my goal account.’

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

Blog

Reading time: 12 minutes

How to start a budget and why it's important

A sharp budget helps you find as much extra money as you can to flow towards your goal, getting you there quicker.

Two women are standing together outside and gardening. They are looking at each other and laughing.

Blog

Time to complete: 8 minutes

Plan your goals

Many goals in life need money and a plan – this goal-setting tool helps you take the first steps to make them happen.

Blog

Time to complete: 5 minutes

Money personality quiz

Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.

Blog

Reading time: 6 minutes

Budgeting isn't just for bills

A budget can help you decide what is important – and help you use your money to reach your big (or little) goals.

Blog

Reading time: 4 minutes

Why money goals are important and how to set them

There’s nothing like setting goals to focus your saving and spending. Where would you like to be going forward?

A woman is lying on a bed with her laptop and a notepad and pen

Blog

Reading time: 4 minutes

How to track your money to create a budget and stick to it

Achieving your goals is much easier when you have a budget. A budget is a plan for your spending, so you know where you are heading.

Blog

Reading time: 4 minutes

Keeping the big picture in mind

Ravi’s story shows how making a few sacrifices along the way is worththe satisfaction of achieving your long-term goals.

Blog

Reading time: 5 minutes

Different ways to reach your money goals

Morgan and her husband have some important goals – she shares the strategies that have kept them on track.

Blog

Watching time: 2 minutes

How to pay yourself first

The best way to save is by setting money aside every time you get paid. Make sure your money is going to your goals first.

Recommended for you

Here are some key guides, tools and blogs to help you sort your everyday money.

Guide

Reading time: 12 minutes

How to start a budget and why it's important

A sharp budget helps you find as much extra money as you can to flow towards your goal, getting you there quicker.

Read guide

Tool

Time to complete: 8 minutes